Debt collection
Pacific Capital Exchange debt collection complaints
Consumers have filed 14 complaints about Pacific Capital Exchange's debt collection, 4 in the last 12 months. Pacific Capital Exchange answered 0% on time and closed - with relief. See the whole Pacific Capital Exchange record.
Pacific Capital Exchange against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Pacific Capital Exchange | 4 | 0% | - |
Latest Pacific Capital Exchange debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 5, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | No timely reply |
| Jul 22, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | No timely reply |
| Feb 19, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | No timely reply |
| Feb 18, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | No timely reply |
| May 18, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Apr 28, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 27, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 7, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Apr 4, 2023 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| Mar 8, 2023 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Feb 13, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Feb 3, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jan 26, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jan 12, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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